Arman Financial Services Limited (ARMANFIN.BO)
ValueMarkers Composite Index
86% below intrinsic value ($138)
Arman Financial Services Limited (ARMANFIN.BO) — VMCI valuation read
Composite valuation read on ARMANFIN.BO: VMCI 54/100 against a Financial Services sector median of 50. The 4-point above-median print is the headline number for Arman Financial Services Limited, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for ARMANFIN.BO: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on ARMANFIN.BO: ARMANFIN.BO trades at 21.0x earnings, 17% above the Financial Services median of 18.0x; ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%); net debt to EBITDA of 0.3x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
ARMANFIN.BO rose 3.0% over the trailing 7 days, with a -3.4% read on a 30-day basis.
Arman Financial Services Limited, together with its subsidiary, Namra Finance Limited, operates as a non-banking finance company in India. The company offers micro finance; micro, small, and medium enterprise loans; two and three wheeler finance. It operates through branches and dealers. The company was formerly known as Erstwhile Arman Lease & Finance Limited. Arman Financial Services Limited was incorporated in 1992 and is headquartered in Ahmedabad, India.
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